15625 June Bug RoadLower LakeCA95457
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 15625 June Bug Road, Lower Lake, CA, 95457 in Lower Lake fits: $789,900, 5.31% gross yield, and a projected 5% annual appreciation rate adding $218,235 in value within five years. Rental yield 5.31%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.98) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $7,275/yr in principal paydown and $218,235 in appreciation project a total return of $210,027.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 8.0% |
| Monthly Cash Flow | $(1,391) | $200 |
City averages based on Lower Lake market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,496 |
| Total Monthly Debt Service | $4,572 |
| DSCR Ratio | 0.76x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2005
6.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95457, Lower Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,680 (100%) |
| Owner Occupied HU | 998 (59.4%) |
| Renter Occupied HU | 288 (17.1%) |
| Vacant Housing Units | 394 (23.5%) |
| Median Home Value | $431,579 |
| Average Home Value | $556,450 |
Housing Distribution
Address Breakdown
Residential
1,011
Single Family
1,011
Multi-Family
0
Businesses
131
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 2005
6.90 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95457, Lower Lake, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 1,680 (100%) |
| Owner Occupied HU | 998 (59.4%) |
| Renter Occupied HU | 288 (17.1%) |
| Vacant Housing Units | 394 (23.5%) |
| Median Home Value | $431,579 |
| Average Home Value | $556,450 |
Housing Distribution
Address Breakdown
Residential
1,011
Single Family
1,011
Multi-Family
0
Businesses
131
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Yvette A Sloan • NextHome Experiences
Mls Name: BAREIS
Mls ID: #325086740